Share Certificates

New Share Certificate Specials

Open an account today with as little as $1,000 and you'll get our best share certificate rates with these limited time offers. You'll be guaranteed an exact return on your savings as a result of fixed dividend rates.

9-Month Certificate Special

Don't want to wait all year to see your money grow? With a 2.75% APY1, you won't have to!

55-Month Certificate Special

With an eye towards saving for the future, you're certain to accomplish those goals with a 3.05% APY2

17-Month Certificate Special

Maintain a saving discipline with this option at 2.25% APY3.

30-Month Certificate Special

At 2.55% APY4, you'll be a savings sleuth in no time.

Start Saving for the Future Today

Not a member? It's easy to join Andrews Federal in just minutes. Already a member? Log into online banking to and click the Options and Extras tab to add a Share Certificate to your account.

1Special 9-Month Certificate offer and stated APY available for a limited time only and may change at any time. APY effective July 5, 2018, is 2.75%; interest rate is 2.722%. Certificate has a $1,000 minimum and a $250,000 maximum balance. Must maintain a minimum $1,000 balance to earn the advertised APY. At maturity, all 9-Month Certificates will automatically renew at the 12-Month share certificate rate and term. Each individual member limited to one Special 9-Month Certificate during the promotional period. Penalties apply for early withdrawal; fees may reduce earnings on the account. Early withdrawal penalties (a penalty may be imposed for principal withdrawals before maturity):
If your account has an original maturity of less than 24 months, we will charge a penalty equal to 90 days of dividends.
If your account has an original maturity date of 24 months or greater, we will charge a penalty equal to 180 days of dividends.↵

2Special 55-Month Certificate offer and stated APY available for a limited time only and may change at any time. APY effective July 5, 2018, is 3.05%; interest rate is 3.016%. Certificate has a $1,000 minimum and a $250,000 maximum balance. Must maintain a minimum $1,000 balance to earn the advertised APY. At maturity, all 55-Month Certificates will automatically renew at the 60-Month share certificate rate and term. Each individual member limited to one Special 55-Month Certificate during the promotional period. Penalties apply for early withdrawal; fees may reduce earnings on the account. Early withdrawal penalties (a penalty may be imposed for principal withdrawals before maturity): If your account has an original maturity of less than 24 months, we will charge a penalty equal to 90 days of dividends. If your account has an original maturity date of 24 months or greater, we will charge a penalty equal to 360 days of dividends. ↵

3Special 17-Month Certificate offer and stated APY available for a limited time only and may change at any time. APY effective April 30, 2018, is 2.25%; interest rate is 2.231%. Certificate has a $1,000 minimum and a $250,000 maximum balance. Must maintain a minimum $1,000 balance to earn the advertised APY. At maturity, all 17-Month Certificates will automatically renew at the 12-Month share certificate rate and term. Each individual member limited to one Special 17-Month Certificate during the promotional period.↵

4Special 30-Month Certificate offer and stated APY also available for a limited time only and may change at any time. APY effective April 30, 2018, is 2.55% interest rate is 2.526%. Certificate has $1,000 minimum and a $250,000 maximum balance. Must maintain a minimum $1,000 balance to earn the advertised APY. At maturity, all 30-Month Certificates will automatically renew at the 24-Month share certificate rate and term. Each individual member limited to one Special 30-Month Certificate during the promotional period.↵

5Certificate must be opened with a minimum $50.00 balance; must maintain a minimum $50.00 balance to earn the advertised APY. Deposits are allowed in branch, through automatic direct deposits, and online (as transfers from another share). Dividends are compounded and credited quarterly. Penalties apply for early withdrawal. Fees may reduce earnings.Deposits are insured up to at least $250,000 per individual depositor by NCUA. Click here for more information on share insurance coverage.↵

6Bump It Up offer allows a one-time election to bump up your existing Bump It Up certificate rate to that of the currently advertised Fixed Rate Certificate of the same term; CD specials are excluded. Must exercise bump option prior to the maturity date of the certificate, otherwise bump option is forfeited. Certificate must be opened with a minimum $1000 balance; must maintain a minimum $1000 balance to earn the advertised APY/bumped APY. Dividends are compounded and credited quarterly. Penalties apply for early withdrawal. Fees may reduce earnings. Deposits are insured up to at least $250,000 per individual depositor by NCUA. Click here for more information on share insurance coverage.↵

Penalties apply for early withdrawal; fees may reduce earnings on the account. Early withdrawal penalties (a penalty may be imposed for principal withdrawals before maturity):

If your account has an original maturity of less than 24 months, we will charge a penalty equal to 90 days of dividends.

If your account has an original maturity date of 24 months or greater, we will charge a penalty equal to 180 days of dividends.

Federally Insured by NCUA. APY = Annual Percentage Yield. Deposits are allowed in branch, through automatic direct deposits, and online (as transfers from another share account). Must be funded with new money OR the member must have a checking account, debit card, and direct deposit of $750 or more per month. Penalties apply for early withdrawal. Fees may reduce earnings. Deposits are insured up to at least $250,000 per individual depositor. Must be a member of the credit union to open any deposit account. Our field of membership includes Active Duty or Retired Military personnel (or their spouses, dependents or dependent survivors) of Joint Base Andrews, Joint Base McGuire-Dix-Lakehurst, and military installations in central Germany, Belgium, and The Netherlands; as well as over 200 employer groups throughout Maryland, Virginia and New Jersey. We also have nationwide membership eligibility through the American Consumer Council and anyone who lives, works, attends school or worships in Washington, D.C.

APY will remain in effect for the term of the share certificate but may change each time the share certificate is renewed. Rates offered are subject to change at any time. Penalties apply for early withdrawal; fees may reduce earnings on the account. Dividends are compounded and credited quarterly. Deposits are insured up to at least $250,000 per individual depositor by NCUA. Click here for more information on share insurance coverage.

APY will remain in effect for the term of the share certificate but may change each time the share certificate is renewed. Rates offered are subject to change at any time. Penalties apply for early withdrawal; fees may reduce earnings on the account. Dividends are compounded and credited quarterly. Deposits are insured up to at least $250,000 per individual depositor by NCUA. Click here for more information on share insurance coverage.

APY will remain in effect for the term of the share certificate but may change each time the share certificate is renewed. Rates offered are subject to change at any time. Jumbo certificate must be opened with a minimum $10,000 balance; must maintain a minimum $10,000 balance to earn the advertised Jumbo APY. Penalties apply for early withdrawal; fees may reduce earnings on the account. Dividends are compounded and credited quarterly. Must be a member of the credit union to open any share certificate. Deposits are insured up to at least $250,000 per individual depositor by NCUA. Click here for more information on share insurance coverage.

APY will remain in effect for the term of the share certificate but may change each time the share certificate is renewed. Rates offered are subject to change at any time. Jumbo certificate must be opened with a minimum $10,000 balance; must maintain a minimum $10,000 balance to earn the advertised Jumbo APY. Penalties apply for early withdrawal; fees may reduce earnings on the account. Dividends are compounded and credited quarterly. Must be a member of the credit union to open any share certificate. Deposits are insured up to at least $250,000 per individual depositor by NCUA. Click here for more information on share insurance coverage.

Andrews Federal Credit Union is committed to providing exceptional service for every visitor to our website. We are actively working to increase accessibility and usability for the widest possible audience in accordance with ADA standards and guidelines. If you are using a screen reader or other auxiliary aid and are experiencing difficulties using this website, please contact us toll free at 1.800.487.5500 or 00800.487.56267 (outside of the U.S.). All of our products and services available on this website are available at all Andrews Federal Credit Union branch locations.